Been dealing with this headache on my narrowboat for the past three years. Standard marine-grade copper just isn't enough in freshwater systems — the galvanic corrosion will get you eventually.
What's actually worked for me:
Tinned copper wire — this is the way. The tin coating protects against saltwater and brackish conditions. I've switched everything to Ancor tinned cable, which isn't cheap but it's held up brilliantly. Proper marine suppliers stock it, though you'll pay a premium versus standard electricals.
Stainless steel fittings only. This is non-negotiable. Regular brass terminals oxidise within months. I learned that the hard way after my first winter.
Conduit matters. Split loom plastic deteriorates faster than you'd think in damp environments. I've moved to reinforced PVC conduit on exposed runs, especially near the gunwales where spray's constant.
The real game-changer though was proper cable sizing — oversizing by one gauge helps reduce voltage drop AND gives corrosion a harder time. I went one size up throughout my 12V and 48V systems, and the difference in longevity has been noticeable.
One thing I see people get wrong: they'll use tinned cable but then pair it with standard brass lugs. Doesn't work. Everything in the circuit needs to be corrosion-resistant or you'll have accelerated failure at the weakest point.
Are others running stainless terminals exclusively? I'm curious if anyone's had different experiences with alternative materials — seems like there's not much solid discussion around this.